Property

·Blanket Property and Contents Coverage up to $35M
·Replacement Cost
·Agreed Value (with signed SOV)
·Equipment Breakdown
·$25K Earthquake & Flood*
·$15K Emergency Vacating Expense
·Client Monies & Securities included
·6% inflation guard applies to Building & Business
·Personal Property
·Special Deductible Exceptions
·Builders Risk Coverage available
·$100,000 Property in Transit

Crime

·$25K Employee Theft*
·$25K Forgery or Alteration*
·$10K Inside Premises Money & Securities
·$10K Inside Premises Robbery & Safe Burglary
·$10K Outside Premises
·Clients Property included when exposure exists

Inland Marine Form

·$100K Accounts Receivables
·$100K Valuable Papers
·Additional coverage options are available

General Liability
(Occurrence & Claims made available)

·$1M/3M Limits
·Employee Benefits Liability (claims made) at $1M/1M Limits
with $1000 deductible
·Automatic Liquor Liability for Fund Raising Events
·Coverage for Fund Raising Events included
·Broad Additional Insured Endorsements available at no extra charge
·$10K Medical Payments*
·$250K Fire Legal Liability*
·Abuse and Molestation have separate & dedicated limits
·Abuse and Molestation coverage for employee/client/3rd party
·Aggregate per location endorsement
·Defense outside the Limits
·No binding arbitration endorsement

Professional Liability
(Occurrence & Claims made available)

·$1M/3M Limits
·$25K punitive damage coverage (where permitted by law)
·Includes employees, volunteers, employed nurses,
psychiatrists, medical directors & administrators
·No binding arbitration endorsement

Umbrella

·Up to $25M
·Abuse and molestation if eligible
·$10K Minimum Retention (SIR)
·Employers Liability
·Contractual Liability
·Products & Completed Operations
·Auto Liability
·General Liability
·Professional Liability

Commercial Auto

·$1M Combined Single Limit Liability
·Mandatory PIP where applicable
·Employee Hired Auto
·$50 Towing Limit for Private Passenger Vehicles
·$50K Hired Auto Physical Damage Limits
·Non-Owned / Hired Auto
·Rental Reimbursement
·Employees as Insured

* Increased limits available

Our comprehensive Disabilities Policy covers general and professional liability, property, auto, crime and umbrella. Examples of eligible risks are:

·Activity Centers, Handicapped
·Adult Day Care Centers
·Associations for the Handicapped
·Autism
·Cerebral Palsy
·Developmental Disabilities Facilities
·Down Syndrome
·Epilepsy
·Learning Disabilities
·Mental Retardation
·Nerve, Muscle & Bone Disease
·Neurofibromatosis
·Other Mobility Impairing Diseases/Injuries
·Residential Care for the Disabled
·Spina Bifida
·Spinal Cord Injury
·Tourette’s Syndrome

Before downloading and signing any insurance applications, make sure that you know your state's fraud warnings.

Required Applications:

General Application

Statement of Values

Renewal Application (only if you are renewing a current ISA policy)

 

Package Supplements: Please complete the appropriate supplement below and include the Sexual Abuse Supplement.

Developmental Disabilities

Medical/Physical Rehabilitation

Non-Owned Auto

*Sexual Abuse Supplement

As the field evolves, so does our program. We stay abreast of legal, social, medical and technological changes that can affect your success. Our policies include:

· Replacement Cost
· Agreed Value Property Form
· Employee Benefits Liability (Claims Made)
· Professional Liability (Includes Psychiatrists)
· Volunteers as Insureds (GL & PL)
· Abuse & Molestation Sublimits